tough question.

[Al3x Lee]

It's not a difficult process, but it certainly isn't easy.

You almost quoted The Prestige. "Simple maybe, but not easy"

 

[Markthebroker]

Picking your lane can be hard in our business.

It's not easy because with a handful of licenses you can basically sell anyone.

That said, specialists make all of the money. Pick a line and maybe add a few ancillary products then grind.

It's not a difficult process, but it certainly isn't easy.

Yep, commercial P&C is all I do, and it was a great decision.

There were a number of diificult things building up momentum and a book, but one of them was definitely staying focused on my niche, and not getting distracted. Turning away business when you're trying to grow a book is a bit of a painful counterintuitive thing to do.

 

[adjusterjack]

Going to board a horse and the facility is asking for:
5k prop
10k bi
policy must clearly indicate that the coverage applies to the horse that is privately owned and maintained away from your personal residence.

The HO-4 renters policy covers that exposure by not specifically excluding it. However, it's not going to specifically say so.

A stand alone policy would cost 275 per yr bec they are 1 mil minimums
any way to save??

Tell your client not to be penny wise and dollar foolish. $275 is less than the fee an attorney would charge for an hour.

somenone mentioned you can get a stand alone for this for $50 for 5k/10k but no idea how..

Have your client buy that policy from that "someone."

 

[Allen Trent]

Get the client a Country Estate Farm policy. Basically, instead of dwelling coverage in section I, can have Renters contents in the Section I, liability in Section II, can add horse in Section III, likely no need for Section IV building coverage. Lastly, can add horse tack, etc if needed on SPA, etc. Can even get horse mortality coverage from some surplus lines carriers if needed.